Add cards to start comparing.

Compare Cards

Low Interest Credit Cards

See offers from our partners below.

Citi Simplicity® Card - No Late Fees Ever

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 2,055 Offer Ratings
Over the Past 60 Days!

(2,055) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 14.99% - 24.99% (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 877-886-4537 TTY: Use Relay Service
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

See additional details for Citi Simplicity® Card - No Late Fees Ever

More Info

Expand Details

Discover it® Cashback Match™

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 1,049 Offer Ratings
Over the Past 60 Days!

(1,049) Over the Past 60 Days!
  • Cashback Match™ Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*
  • EARN Up to 5% cash back in bonus categories, 1% on everything else*
  • Redeem Any amount, any time. Cash back rewards never expire*
  • Annual Fee $0
  • Credit Needed Excellent/Good Credit
  • Card Brand Discover

Highlights

  • Click "APPLY NOW" to apply online or call 800-628-1537
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire. 
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

See additional details for Discover it® Cashback Match™

More Info

Expand Details

BankAmericard® Credit Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 398 Offer Ratings
Over the Past 60 Days!

(398) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days
  • Balance Transfer Fee $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10)
  • Regular APR 12.99% - 22.99% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 800-483-4499
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR
  • $0 Intro balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

See additional details for BankAmericard® Credit Card

More Info

Expand Details

Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.2/5.0 from 1,247 Offer Ratings
Over the Past 60 Days!

(1,247) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 13.99% - 23.99%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 877-836-4537 TTY: Use Relay Service
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness* 
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer 
  • Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions 
  • No annual fee*
  • Free access to FICO® Scores*

See additional details for Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases

More Info

Expand Details

Citi® Double Cash Card – 18 month BT offer

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.5/5.0 from 694 Offer Ratings
Over the Past 60 Days!

(694) Over the Past 60 Days!
  • Intro Balance Transfer APR 0%* for 18 months on Balance Transfers*
  • Rewards Rate Earn 1% on Purchases & 1% on Payments
  • Regular Purchase APR 14.49% - 24.49%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent, Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 888-343-4081 TTY: Use Relay Service
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro  APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

See additional details for Citi® Double Cash Card – 18 month BT offer

More Info

Expand Details

Blue Cash Everyday® Card from American Express

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 528 Offer Ratings
Over the Past 60 Days!

(528) Over the Past 60 Days!
  • Welcome Offer $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Bonus Cash Back 3% at U.S. supermarkets on up to $6,000 per year in purchases*
  • Rewards Rates 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees

See additional details for Blue Cash Everyday® Card from American Express

More Info

Expand Details

Capital One® VentureOne® Rewards Credit Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.4/5.0 from 531 Offer Ratings
Over the Past 60 Days!

(531) Over the Past 60 Days!
  • Intro Purchase APR 0% intro on purchases for 12 months
  • Rewards Rate 1.25 Miles per dollar on every purchase, every day
  • Regular Purchase APR 12.99% - 22.99% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 12.99%-22.99% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

See additional details for Capital One® VentureOne® Rewards Credit Card

More Info

Expand Details

Wells Fargo Platinum Visa® Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.0/5.0 from 382 Offer Ratings
Over the Past 60 Days!

(382) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 16.15%-25.99% (Variable)*
  • Annual Fee $0
  • Credit Needed Excellent
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

See additional details for Wells Fargo Platinum Visa® Card

More Info

Expand Details

Capital One® Quicksilver® Cash Rewards Credit Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.9/5.0 from 435 Offer Ratings
Over the Past 60 Days!

(435) Over the Past 60 Days!
  • Introductory APR 0% for 9 months on balance transfers and purchases
  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day
  • Regular Purchase APR 13.99% - 23.99% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

See additional details for Capital One® Quicksilver® Cash Rewards Credit Card

More Info

Expand Details

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

Share your experiences, tips and tricks with us!

Let others learn from your experience. Ask questions. Share your thoughts and opinions about credit cards.

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don't disclose personal information like your credit card numbers or account information.

Community Conversation

Thank you. Your comment has been submitted and is pending editorial review.
card loader

Sort by:

Picture of Cindy Speers

By: | May 1, 2016

What is the best credit card to earn miles with someone who has a perfect credit score?

1 Reply

By: CompareCards | May 2, 2016

Hi Cindy,

If you have a perfect credit score then you should be able to get approved for any credit card you want. To pick the best card for you, you should think about what airline miles you would like to earn. If you prefer to fly on one particular airline, then you should go with that airline's specific co-branded credit card. Examples of these would be the Citi AAdvantage Platinum Select or the United MilagePlus Explorer Card. If you want to earn more flexible airline miles that can be redeemed on any airline, then check out the Capital One Venture!

Picture of Linda Vernon

By: | Apr 30, 2016

I am wanting to do a balance transfer; however I do not like entering my Social Security online, how can I avoid this?

1 Reply

By: CompareCards | May 2, 2016

Hi Linda,

There is no way to apply for a balance transfer credit card without providing your Social Security Number. However, online bank security has become very advances in recent years, so you can rest assured that your information is save and secure when applying for a credit card online.

Picture of Patricia Swayne

By: | Apr 28, 2016

To establish credit. Go to the bank get the smallest loan possible put it in to a checking or savings account and have the payment automatic withdrawn from a account. But do not spend the money. This shows you can get a loan pay it back with no problems. You can it off sooner according to the contract.

1 Reply

By: Mary Braid | May 1, 2016

Did this years ago when it was hard for a single mother to get a credit card. Worked out wonderfully. Have advised to young people many times......

Picture of Lyn Kornicki

By: | Apr 28, 2016

I keep looking for a balance transfer card and my credit is fair. I did declare bankruptcy in 2008 which was discharged, but none of the credit cards that were referred to me by credit karma accepted my application. Should I wait until 2008 (when the bankruptcy is supposed to drop off my credit report) and just give up?

1 Reply

By: CompareCards | Apr 28, 2016

Hi Lyn,

If you are repeatadly being denied for credit cards then you probably need to start with a secured credit card. Secured cards work just like normal credit cards but you will have to put down a refundable security deposit to get approved. They are a great tool for building credit. We recommend the Capital One Secured MasterCard as it comes with no annual fee and a free credit tracking service.

Picture of Linda Rubenok

By: | Apr 24, 2016

am looking for a card that does not charge separate fees or transaction fees for purchases ouside USA

1 Reply

By: CompareCards | Apr 25, 2016

Hi Linda,

Check out our page for credit cards with no foreign transaction fees to find the best card for you!

Picture of Patsy Tucker

By: | Apr 22, 2016

Could someone help me with $500.00 limit please I just need a start paying a bill off then make one payment,

Picture of Lisa Smith Renwick

By: | Apr 9, 2016

Please anyone would you consider giving ma a credit card with a $500 secured limit. I have horrible credit and am trying to build it back up. Please and thank you, Lisa Renwick

1 Reply

By: CompareCards | Apr 11, 2016

Hi Lisa,

The Capital One Secured MasterCard would be a great place to start. Since you put down a security deposit to get approved, they will usually allow anyone to open account, even if your credit is very bad.

Picture of Loanmy Lee

By: | Apr 7, 2016

You should start opening a secured credit card account with capital one first, you might have to deposit $50&up in order to get the credit card shipped. After few months of usage make sure you use 30% of the credit, it's not good to use it all at once unless you pay full balance the next day.

Picture of Thelma Miller

By: | Apr 7, 2016

i need a credit card i can use on and off line that can start out with a credit line that will help me build my credit up/ free of charge to start

Picture of Bonnie Fraser

By: | Apr 7, 2016

I have credit score of 828 and looking to get a zero interest credit card for some unexpected expenses. I have no doubt I can pay it off within the terms but the longer the better. Any suggestions?

1 Reply

By: Richard Clark | May 1, 2016

Yes, CITI Diamond Perferref ! The First on the Above List !

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

0% Credit Cards & Interest Free Credit Cards

Low interest rate (or 0%) credit cards can save you hundreds of dollars on balance transfers and on routine purchases carried over as credit card balances. Or you may simply want to be rewarded with a preferential interest rate as acknowledgement for good credit history and responsible debt management. Whatever your goals or motivation, zero percent or low interest credit cards can help you maintain the lowest rates available to individuals with excellent to good credit. You can find out more about credit score here.

Keep in mind that there are two main categories of low rate credit cards, namely those that offer a Variable APR and those that give you a Fixed APR.  Just like with variable versus fixed rate mortgages, a fixed rate APR will remain relatively stable through the course of the loan. If your card company decides to raise it – which is somewhat rare – they will first notify you of that change according to Federal law requirements. With a variable rate, your APR is tied to a prevailing rate such as the Prime Interest Rate. If the prime rate increases then your APR will most likely follow in a similar fashion.

Generally speaking, credit card companies and banks will extend either 6 or 21 month offers – within the 0% to 3.99% annual interest rate range. That can generate a considerable discount when normal APRs are averaging around 15% or higher. Once the introductory promotional period expires, the APR on a low interest credit card or interest free credit card may revert to the regular interest rate. Of course the ideal balance is a credit card that offers a great near term rate followed by an attractive, competitively priced low interest rate for the long term.

The interest rate charged on your credit card is widely regarded as the single most important component of your card. That’s because it determines the major cost for you to borrow or roll over balances and pay them off over time instead of all at once or within the same month that you make purchases. That’s why getting a zero percent or low interest credit card can be huge financial boon, no matter what your credit card usage patterns or money management strategies may be.

Reviews
" " CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.

" " Those who always pay their balances in full and on time will usually come out ahead.

" " The offers on the credit card landscape are constantly changing which is great news for consumers.

" " In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.

" " CompareCards was one of three sites that met all the criteria.

Trusted & Secure
  • Empowering over
    50,000,000 card holders Since 2005

  • Norton Secured
Back to top ↑